No-Fault or Fault
No-fault car insurance coverage allows you to recover losses to you and/or your vehicle regardless of who is at fault.
If you live in a no-fault state, you are covered financially because your insurance company will pay you no matter who caused the accident while the other insurance company will pay for their customer’s injuries and damages.
Once fault is determined, the insurance companies will communicate and if necessary, legally duke things out.
You need to check your state’s no-fault laws regarding limits because sometimes they don’t extend to property damage and you could still have a lawsuit brought against you. In these kinds of cases, you may want to increase your property damage liability coverage.